BlastPoint's Banking Scorecard
New Albin Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8506
Designations: ✓ Community bank
New Albin, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
New Albin Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.53% below tier
- + Tier 1 Capital Ratio 31.67% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.09% below tier
- - Loan-to-Deposit Ratio 34.87% below tier
- - Non-Interest-Bearing Deposit Share 16.49% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.9M
+6.0% YoY
+0.9% QoQ
|
+$126.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$114.7M
+1.5% YoY
+0.3% QoQ
|
-$24.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$289.4M
+5.7% YoY
+1.2% QoQ
|
+$105.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.87%
+6.1% YoY
+1.6% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
1.76%
+9.6% YoY
+2.0% QoQ
|
-2.09% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
40.19%
-7.0% YoY
-0.5% QoQ
|
-27.53% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.01%
-80.9% YoY
-86.7% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
39.65%
-4.0% YoY
-0.9% QoQ
|
-34.87% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.90%
+4.4% YoY
+3.5% QoQ
|
-16.49% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-81.7% YoY
-86.8% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
40.52%
-1.1% YoY
-1.8% QoQ
|
+31.67% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.02%
-30.0% YoY
+42.1% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.19%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
40.52%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
39.65%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.90%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 40.52% · Tier avg: 8.85%
98
98th pctile
Efficiency Ratio
Current: 40.19% · Tier avg: 67.73%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
79
79th pctile
Total Assets
Current: $343.9M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $289.4M · Tier avg: $183.7M
48
48th pctile
Total Loans
Current: $114.7M · Tier avg: $139.2M
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.90% · Tier avg: 22.39%
5
5th pctile
Loan-to-Deposit Ratio
Current: 39.65% · Tier avg: 74.53%
1
1th pctile
Net Interest Margin
Current: 1.76% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.76% · Tier avg: 3.85%
5
5th pctile
Loan-to-Deposit Ratio
Current: 39.65% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.90% · Tier avg: 22.39%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
48
48th pctile
Total Loans
Current: $114.7M · Tier avg: $139.2M
79
79th pctile
Total Deposits
Current: $289.4M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $343.9M · Tier avg: $217.5M
82
82th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Efficiency Ratio
Current: 40.19% · Tier avg: 67.73%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.52% · Tier avg: 8.85%